UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age;

Because income is from public assistance; or

Because a right was exercised under the Consumer Credit Protection Act.

USA PATRIOT Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for and/or obtains a mortgage loan.

What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Disclosures

Application is required and is subject to credit review and approval. Full documentation required. Not all applicants will be approved. Loan secured by a lien against your property. Fees & charges apply and may vary by State, product, and loan amount. Terms, conditions & limitations apply. Additional payments of taxes & property insurance are required. Rates are subject to change without notice and current rates may not be available at loan commitment, lock-in or closing. You may be required to lock in a rate when you apply. Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details.

Purchase Power Mortgage Program:

A prequalification is our estimate of how much you could be eligible to borrow based on information you supply. A preapproval means that our underwriting department has conditionally approved you for a mortgage loan based on a review of the credit information and documentation you provided. Final loan approval is subject to conditions, such as determining the suitability of the property and verifying that your financial condition or credit worthiness has not materially changed.

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and application; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan preapprovals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site www.consumerfinance.gov/hmda.

Testimonial Disclosure

Reviews and comments (i) have been submitted by customers voluntarily, (ii) are solely the views of such customers, and (iii) have been screened in accordance with Ditech guidelines prior to publication. Customers were not compensated for their submittals but were informed that the submittals may be used in Ditech advertising. Customer experiences are not meant to suggest future performance and may not be representative of your experience.

DMCA Takedown Policy:

In accordance with the DMCA, Ditech Financial LLC (“Ditech”) has adopted the general policy below toward copyright infringement. Remember that your use of Ditech’s website and services is at all times subject to the Privacy & Site Terms, which incorporates this DMCA Takedown Policy. Any terms we use here without defining them have the definitions given to them in the Privacy & Site Terms. The address of Ditech’s Designated Agent to Receive Notification of Claimed Infringement (“Designated Agent”) is listed at the end of this Policy.

Ditech respects the intellectual property rights of others and expects you to do the same. We reserve the right to (1) block access to or remove material that we believe in good faith to be copyrighted material that has been illegally copied and distributed by any of our advertisers, affiliates, content providers, members or users and (2) remove and discontinue service to repeat offenders.

1. Procedure for Reporting Copyright Infringements

If you believe that material or content residing on or accessible through the Services infringes your copyright (or the copyright of someone whom you are authorized to act on behalf of), please send a notice of copyright infringement containing the following information to the Designated Agent:

a. A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright that has been allegedly infringed;

b. Identification of works or materials being infringed;

c. Identification of the material that is claimed to be infringing including information regarding the location of the infringing materials that the copyright owner seeks to have removed, with sufficient detail so that Ditech is capable of finding and verifying its existence;

d. Contact information about the notifier including address, telephone number and, if available, email address;

e. A statement that the notifier has a good faith belief that the material identified in 1(c) is not authorized by the copyright owner, its agent, or the law; and

f. A statement made under penalty of perjury that the information provided is accurate and the notifying party is authorized to make the complaint on behalf of the copyright owner.

2. Once Proper Bona Fide Infringement Notification is Received by the Designated Agent

Upon receipt of a proper notice of copyright infringement, we reserve the right to:

a. remove or disable access to the infringing material;

b. notify the content provider, member or user who is accused of infringement that we have removed or disabled access to the applicable material; and

c. terminate such content provider’s, member’s or user’s access to the Services if he or she is a repeat offender.

3. Procedure to Supply a Counter-Notice to the Designated Agent

If the content provider, member or user believes that the material that was removed (or to which access was disabled) is not infringing, or the content provider, member or user believes that it has the right to post and use such material from the copyright owner, the copyright owner’s agent, or, pursuant to the law, the content provider, member, or user has the right to send us a counter-notice containing the following information to the Designated Agent:

a. A physical or electronic signature of the content provider, member or user;

b. Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or disabled;

c. A statement that the content provider, member or user has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material; and

d. Content provider’s, member’s or user’s name, address, telephone number, and, if available, email address, and a statement that such person or entity consents to the jurisdiction of the Federal Court for the judicial district in which the content provider’s, member’s or user’s address is located, or, if the content provider’s, member’s or user’s address is located outside the United States, for any judicial district in which Ditech is located, and that such person or entity will accept service of process from the person who provided notification of the alleged infringement.

If a counter-notice is received by the Designated Agent, Ditech may send a copy of the counter-notice to the original complaining party informing that person that Ditech may replace the removed material or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user accused of committing infringement, the removed material may be replaced or access to it restored in 10 to 14 business days or more after receipt of the counter-notice, at Ditech’s discretion.

Please contact Ditech’s Designated Agent to Receive Notification of Claimed Infringement at the following address:

Massachusetts CRA Public File

About These Rates

Disclosures and Assumptions

Application is required and is subject to credit review and approval. Full documentation required. Not all applicants will be approved. Loan secured by a lien against your property. Fees & charges apply and may vary by State, product, and loan amount. Terms, conditions & limitations apply. Additional payments of taxes & property insurance are required. Rates shown are those at which loans offered by ditech are currently being closed or committed, but they are subject to change without notice and may not be available at loan commitment, lock-in or closing. You may be required to lock in a rate when you apply. Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details.